Home decorating

The best price to sell your home is always determined by how you compare against your competition, the house down the street. If your property looks better than the next guy’s the customer will buy yours.

It all comes down to image, making sure it shows at its best. This is accomplished with minor repairs, some decorating and a lot of elbow grease. It’s no different than a used car dealer shining up the cars inside and out. You systematically go through your home, inside and out, room by room, and make it look great.

Outside

Paint it, wash it, mow it and clip it. First impressions are lasting, and you don’t get a second chance to make a good first impression. Look at your home from the street. If you can’t see it through the trees, trim bushes so windows are completely exposed. Make sure your approach to the house is clear of overhanging foliage. Wash the windows. If you have a blacktop driveway, put a fresh coat of sealer on it. Dress up flowerbeds with new shrub or flowers and repair any damaged fencing.

Inside

Arrange furniture in to give the most visual appeal to the room. This may not be the most functional, but at this point we don’t care about function. Clean up the rooms of any clutter, toys, excess furniture, books or anything that gets thrown around. You’d be amazed at how many sellers don’t do this. Don’t forget clean, clean, clean.

The less in a closet the larger they look. If the master bedroom is short on closet space, you should consider adding a closet organizer.

If wallpaper is out dated or paint is old and chipped, put on a fresh coat especially in the kitchen and bathrooms. Kitchen counters should be clear with just the basic items you need. Make sure faucets shine and don’t leek. Toilets should flush properly and not keep running. Tile or tub liners are in good shape and clean. Repair or replace chipped sinks or tubs. And again keep them neat and free of clutter.

Basements and Attics should be neat and orderly. The furnace and hot water heater should be dusted and accessible. Cracks in the walls that have been patched and don’t leek should be painted.

It doesn’t cost too much to stage the home as well. Pictures, mirrors, pillows and plants can transform a room. You can even rent furniture if you’ve already moved out.

These are just a few of the things you can do with very little expense that will greatly increase the price you get for the house compared to the competition. I can’t tell you how many times I’ve viewed a home where they seller didn’t even bather to vacuum or sweep the floor. I can tell you the offer was low. Seek the advice of your real estate professional, they have seen it all and seem to always have great ideas.

About The Author

Richard Massey is a note broker with United Financial Resources and a real estate investor. You can get more information at http://www.unitedfinancialresources.com or to read more articles go to http://unitedfinancialresources.com/news.html

There are two main roads to improving your personal finances: increasing income, and cutting costs.

Increasing income is the harder road to travel. After all, you cant always get a raise or a new job when you need one.

But cutting costs, thats a different story!

Youre in complete control in this area. And all it takes is some imagination and discipline-both of which are free.

Below are five major ways to save money in the basic areas of food, shelter, clothing and transportation. Theyre major expenses in your life - and places for major savings.

1. Home Cooking

Food is a major expense in everyones budget.

But, in todays convenience food society, its easy to overlook how much money can be saved by cooking meals at home. Plus, its fun, creative, and healthier to make your own meals.

The key is to cook in "bulk" to stretch the food you buy over several meals.

If youre a busy person with little time to spare, a good investment is a slow cooker or crock pot. Generally, they run from $20 to $80, depending on the size.

With a slow cooker, you can set aside some time on the weekend to cook stews, soups, and other delicious meals that can be frozen for weekday use.

After a hard day at work, all you have to do is pop the meal in the microwave!

More than likely, youll enjoy an additional benefit - your taste buds will wake up from mass produced food and thank you for the delicious taste of a home-cooked meal!

2. Drive less, exercise more

Is owning a car expensive

You already know the answer to that question, dont you

Gas, maintenance, insurance costs. Plus the mental aggravation of being caught in traffic jams!

Why not carpool or take public transportation-the bus, train, or light rail

Or, if you live close to work, walk or bike. Youll lose weight, lower your blood pressure, and see the world at a slower pace.

And, oh yes, youll save a couple of thousand dollars in the process.

3. Cut housing costs

This is an easy and fun way to cut costs.

Instead of paying a contractor to come in to make changes or repairs, make them yourself.

Local hardware stores love your business and will help you with tips and tricks on home repair.

Also, do your own decorating and painting. You get two benefits by doing your own changes and repairs - you get the pride of accomplishment and you save money.

4. Cut clothing costs

This can be another major area of expenses, especially if you have a family.

So, try buying used clothing... dry clothes on the clothes line instead of in a dryer... learn how to mend clothes...

...well, you get the idea!

5. Quit your addictions

Okay, so this is not really an easy category, but if you enjoy cigarettes and a drink, this is where you can realize some major savings.

Assume youre spending $5.00 a day on cigarettes. Added up over a year, thats an expense of $1825.

As for liquor or wine, we all know how expensive that is.

Assume you buy one bottle a week at $10 to share with family members or friends. Thats $520 a year.

Add both amounts up, and the total is $2,345!

Thats money that could be paying down your debt or going into savings.

And dont forget the health benefits.

You probably have many other ideas on how to save money in the five areas.

If it seems hard at times to cut costs in these places, remember one thing - youre on the road to keeping more of your money in your own pocket!

As the old saying goes: "Money saved is as good as money earned".

About The Author

Paul Davis writes for Debt Elimination 4U, showing ordinary people how to get out of debt and stay out! Visit the site at: http://debt-elimination-4u.com

Dear Reader,

These articles will provide a step by step guide on how to start and run a home based business based on my experiences and other home business owners. This is part 1 in a series of 5 articles. They are written in a basic format and where possible main points are summarised in an attempt to be understood by all. I have tried to minimise the technical jargon as much as possible.

So lets jump right in and see what we need to know about starting and running a home based business.

Regards,

Alvin http://www.parttimeincome.org

I publish Home Business Tips, a fresh and informative newsletter dedicated to supporting people like YOU! If you’re looking for the best rated home business opportunities, latest time saving tools and helpful support from a friend in the business, come by and a grab a F-R-E-E subscription today at: http://www.parttimeincome.org

What type of business

The following is a list of business that can be run from home. Look through the list and note any that grab you, these may give ideas to explore and develop. Please note that this list is not exhaustive, there are many home based business opportunities out there! Aromatherapy Beauty therapy Book keeping Computer repairs Desktop publishing Event management Furniture restoration Graphic design Hairdressing Interior decorating Network marketing Resume writing Tutoring Web design

Will it work

Many people waste their resources on good ideas, but not viable business propositions. You need to conduct a feasibility study to test the idea and help you make a decision whether you need to pursue it or not. More on this later.

Essentials you must consider for a home based business: A good idea Money Time Customers Location

Remember this is a business and a business requires time and money. Be sure you allocate sufficient amounts of both of these when you do your research.

A good place to start your research is to see if someone else has done it before at another location. Find out if they were successful or not and why. This may involve a simple e-mail or a telephone call, you will be surprised how many people are willing to tell you their story.

Legal matters

A decision will need to be made on the legal structure to operate the business, eg: sole proprietor, limited company. You are best to check with a qualified professional, like an accountant, to determine what will be the best for you.

Business costs

You have to take things seriously, a business needs capital to start up and operate. You need to calculate business expenses and the following list will help you think about and estimate some costs. Remember these are listed to stimulate you and because your business may be different, you may have different costs.

Business expenses Start up capital Telephone, fax, computer

Operating costs Insurance Cleaning Gas & electricity

Administration costs Office supplies Consultant fees Information technology expenses

Trading costs Interest charges Leasing Packaging materials Travelling expenses & networking

Break even point

Knowing costs are important to calculate sales needed to reach break even point. This is where the gross profit is the same as your operating costs. If your business doesn’t make enough money to reach break even point, plus profit for all your efforts, this business idea may not be feasible.

Borrowing funds

You may have sufficient cash to start and operate the business. Typically you could approach family, banks and financial societies to help you kick start your idea.

When you borrow money make sure you know: How much you need What you will do with it When and how you will repay it What collateral you can offer

Target market

You must know the group of people you want to sell your product or service to: Who they are Their location When & how often they buy How much are they willing to pay Their age

The competition

Most times there are already others doing what you are going to do. Think about what way you can compete with them: Price Quality Knowledge Service

This way you and your customers will be clear on your competitive advantage.

SWOT Analysis

A SWOT analysis is a tool to help you determine whether your business will work. SWOT stands for: Strength Weaknesses Opportunities Threats

Strength and weaknesses are factors inside your business which the business has a control over. These are what your business is good and bad at.

Opportunities and threats are factors outside your business which the business has no control over. You will find that your opportunities will emerge from your strengths, while your weakness would become threats to your business.

Suppliers

When you have determined what products you need, find a supplier. Research various suppliers and explore what they can offer you. Negotiate the best possible price and trading terms you can. Working closely together with suppliers will form a strong backbone for your business.

Cash flow forecast

This management tool is essential and gives you a summary of your monthly earnings and costs over 12 months.

The basic format of a cash flow forecast is: Starting balance Add projected cash inflow Deduct projected cash outflow Result is budgeted cash balance

Usually when you first start a home based business it may be easier to do a three month cash flow projection. List the actual monthly results and this will let you know how accurate your projections are and gives you and idea of a trend so you will be project the next 3 months.

Click Here To Get Other Resources On Home Based Business Ideas & Opportunities

I Am Making As Much Money Part Time From My Home Business As I Was Working Full Time In My 9-5 Job. Want To Hear My Story

http://www.parttimeincome.org

About The Author

I publish Home Business Tips, a fresh and informative newsletter dedicated to supporting people like YOU! If you’re looking for the best rated home business opportunities, latest time saving tools and helpful support from a friend in the business, come by and a grab a F-R-E-E subscription today at: http://www.parttimeincome.org

When it comes to holiday greeting cards, to send or not to send is often the question. Once you have decided in the affirmative, you then have to determine who to include on your list, what kind of card to choose and how to address the envelope.

There are lots of reasons for sending those holiday cards. You might want to enhance your current business relationships, attract new customers, remind old clients that you exist or show appreciation to those who have faithfully supported you during the year. What is obviously a well-meaning gesture can actually offend the people you want to impress when it is not done properly.

The first place to start is with a good quality card to show that you value your clients and colleagues. Skimping on your selection can be interpreted in a number of ways. Your recipients might take it as a sign that business has not been good or that they arent worth a little extra investment on your part.

Make sure your list is up-to-date with correct names and current addresses. If you do this on a regular basis, it does not become a dreaded holiday chore. As you gain new clients and contacts throughout the year, take a few minutes to add them to your database and mark them for your greeting card group. This way you wont overlook anyone or embarrass yourself by sending the card to the old address.

Sign each card personally. Even if you have preprinted information on the card such as your name - which is an impressive detail - you need to add your handwritten signature. The most elegant cards should still have your personal signature and a short handwritten message or greeting. Sound like a lot of trouble If the business or the relationship is worth it, so is the extra effort. This is your chance to connect on a personal level with your clients and colleagues.

Take the time to handwrite the address as well. If you are ready to throw up your hands at this point and forget the whole project, then have someone else address the envelopes for you. Whatever you do, dont use computer-generated labels. They are impersonal and make your holiday wishes look like a mass mailing. You may save time and even money, but lose a client or a business associate in the process.

You may mail your greeting to the home if you know the business person socially. Be sure to include the spouses name in this instance. The card is not sent to both husband and wife at the business address unless they both work there.

Whether you are addressing the envelope to an individual or a couple, titles should always be used. Its "Mr. John Doe," not "John Doe," or "Mr. and Mrs. John Doe, rather that "John and Mary Doe."

Be sensitive to the religious and cultural traditions of the people to whom you are sending your cards. Find out whether they observe Christmas, Hanukah or Kwanzaa and make sure your message is appropriate for each individual. If you decide to go with one card and a single message for all, choose a generic one that will not offend. "Seasons Greetings" and "Happy Holidays" are both safe bets.

Mail your greetings in time to arrive for the designated holiday. If you find yourself addressing the envelopes on Super Bowl Sunday, keep the cards until next year and send out a high-quality note thanking people for their business during the previous year instead. The best way to avoid the last minute greeting rush is to have all your envelopes addressed before Thanksgiving. Then during December you can leisurely write a short message - one or two lines are all that is necessary on each card, sign your name and have them in the mail with a minimum of hassle.

You now have all the time in the world for the shopping, baking, decorating and celebrating that accompany the holiday season.

*************************************************

Additional Tips for Addressing Envelopes

If you are about to address your holiday greeting cards or the invitations to the company party and you are confused about the correct way to do it, you are not alone. There are situations that we have not had to consider before. There are more women with professional titles, increased numbers of women who retain their maiden name after marriage, and couples choosing alternative living arrangements. The simple act of addressing an envelope has become quite complicated. Here are a few tips to cover the majority of those demanding dilemmas.

Always write titles on the envelope. The card or invitation goes to "Mr. John Smith," not "John Smith." It is addressed to "Mr. and Mrs. John Smith," instead of "John and Mary Smith."

When you address a couple, use titles, rather than professional initials. Its "Dr. and Mrs. John Smith," not "John Smith, M.D. and Mrs. Smith."

If both the husband and the wife are doctors, you write, "The Doctors Smith." However, if they use different last names, you address the envelope to "Dr. John Smith and Dr. Mary Brown." The husbands name is placed first.

If the wife is a doctor and the husband is not, you send your invitation to "Mr. John Smith and Dr. Mary Smith."

Try to get it all on one line. When the husband has an unusually long name, the wifes title and name are indented and written on the second line:

The Honorable Jonathon Richardson Staniskowsky and Mrs. Staniskowsky

When a couple is not married and share a mutual address, their names are written on separate lines alphabetically and not connected by the word "and."

Ms. Mary Brown Mr. John Smith

When the woman outranks her husband, her name is written first. Its "Major Mary Smith and Lieutenant John Smith."

Note: The mans name is always written first unless the wife outranks him or if the couple is unmarried and her last name precedes his alphabetically. So much for "Ladies first."

c 2004, Lydia Ramsey. All rights in all media reserved.

About The Author

Lydia Ramsey is a business etiquette expert, professional speaker, corporate trainer and author of MANNERS THAT SELL - ADDING THE POLISH THAT BUILDS PROFITS. She has been quoted or featured in The New York Times, Investors Business Daily, Entrepreneur, Inc., Real Simple and Womans Day. For more information about her programs, products and services, e-mail her at Lydia@MannersThatSell.com or visit her web site http://www.mannersthatsell.com.

Satisfying and lucrative real estate investment depends upon your correct assessment of profit potential, of course, but your ultimate success depends on your ability to transform a fixer into a dollhouse. The renovation process involves physical work and choosing the best supplies, in order to create maximum positive emotional effect and profits.

By incorporating the psychology of residential design, you can make wise choices in transforming your fixer house by using colors, textures, building materials, and decorations that will assure a future speedy and cost-effective sale.

The psychology of residential design addresses the entire home, inside and out, but the techniques of Transformation Psychology are a bit different, because your ultimate goal is different. The use of Design Psychology in your personal home is much more individualized, while renovating a doghouse into a dollhouse integrates more generalized design ideas to create a home that will be appealing to a broader spectrum of people.

Using Transformation Psychology to increase your real estate profits means that you must learn how our human senses and emotions are affected by our decorating details and choices of materials. Buyers view a prospective home with their eyes, but their brains interpret what they see and feel according to subtle touches you have purposefully put into your house.

Process of Transformation Psychology

Your goal is to create a glorious home that buyers wont be able to live without, and that process begins with planning all the changes that will be necessary, from inception to realization, in order to accomplish a total makeover of the house.

Color Psychology

Determine your potential buyers income level and your selling season. Use simple colors for less expensive houses and complex colors for upscale markets. Add in warm colors to attract buyers during cooler weather and cool colors to attract buyers during hot weather.

Texture Psychology

Many investors fix up houses to flip without considering how the vacant house will feel to prospective buyers. This isnt a problem in hot selling markets, but selling a vacant house in a buyers market means you need to outshine the competition instead of pricing your home lower.

Vacant houses often feel cold with all hard surfaces. Avoid a boxy, hard feeling by adding soft textures. Window coverings, towels in the bathrooms, and a lightweight round table with a fabric tablecloth add texture to soothe the buyers emotions.

Buy Materials with Drama in Mind

Instead of buying the cheapest lighting fixtures, cabinet hardware, and other building materials, look for additions which buyers fall in love with. This doesnt mean you need to spend more, just be selective. We found an awesome chandelier for only $25 at Restore Habitat for Humanitys thrift store; I found matching wall scones at Lowes where the chandelier sold for $300. Paying $50 more for the wall scones than most investors would have meant little when the house sold for more than any other home previously sold for in the neighborhood.

We love taking a dirty doghouse and turning it into a marvelous dollhouse, and were willing to invest more time and money than the average investor in order to achieve a truly dramatic transformation. We usually spend about $12,000 for each renovation, which includes the cost of materials and outside help. Many investors spend much less, but they make less profit when the property sells.

Real estate investing takes skill and planning, but using Transformation Psychology can give you a competitive edge, taking a doghouse and turning it into the kind of dollhouse that buyers will stand in line to bid on.

c Copyright 2004, Jeanette J. Fisher. All rights reserved.

About The Author

Professor Jeanette Fisher, author of Doghouse to Dollhouse for Dollars, Joy to the Home, and other books teaches Real Estate Investing and Design Psychology. For more articles, tips, reports, and newsletters, see http://www.doghousetodollhousefordollars.com/.

Beauty is in the eye of the beholder, particularly when it comes to buying a home. Features that attract one home-buyer may repel another.

However, the one feature of interest to every home-buyer is price. Getting the most home for your money is paramount. The real problem is figuring out whether that fixer-upper on one street is a better buy than the home in next-to-new condition two blocks away. That’s why knowing what to look for before you buy can save you time, energy and money down the line.

The first step is figuring out what kind of house you need. A good buy is only a good buy if it meets your current and future living requirements. Before shopping for a home, decide how much space you and your family require. How many bedrooms, bathrooms Is a family room necessary Do you need a layout that will accommodate a lot of entertaining Do you prefer a spacious or compact work space in the kitchen If you have small children, can the house easily be childproofed

Evaluate the front and back yards. Is there enough space to accommodate your children Do you want a park-like or garden setting Do you enjoy yard work and gardening, or do you want a low-maintenance yard Take into consideration the cost of extensive landscaping and upkeep.

Next, determine how much work is required to make the house you are considering livable. Make an honest assessment of your fix-it abilities. How much work are you willing to do or pay someone else to do Do you have basic decorating, carpentry and plumbing skills If you plan to learn as you go, make sure you have accurately determined what you are getting into. Ask an experienced friend, family member or your real estate agent for their opinion, and be sure to consider how much remodeling inconvenience the rest of the family can handle.

Unless you are ready and able to tackle a major remodel, look for a house or condominium that needs only cosmetic improvements. These include painting, wallpapering and replacing items like flooring, window treatments, bathroom and kitchen fixtures, light fixtures, cabinet and interior door hardware and appliances. Remember that even these simple changes can be costly if you have to make many of them.

Beware of improvements that seem easy enough at first glance buy may turn into major headaches and require a lot of money once you’ve moved in. Remodeled kitchens and bathrooms, changes to the floor plan, room additions and redesigned landscaping are examples of seemingly minor changes that can easily eat away the money you thought you saved by selecting a so-called “bargain priced” home. Of course, you may be perfectly willing to spend whatever money is needed to customize the house to match your tastes and needs.

Make sure major systems in the house are in good working condition. The furnace, air-conditioning and plumbing should be up to date, since repairs can be costly. Your agent can arrange to have a professional inspector determine whether the electrical wiring and any room additions are to code. Local utilities often offer free or low-cost inspections to tell you if the house is energy-efficient.

Look for a house with universally popular selling points. If you’re impressed, the next buyer down the line is bound to be, too. For example, a roomy, modern east-to-clean kitchen is the best selling point a home can have. A house with only one bathroom is less desirable than a house with two or more. Many buyers expect at least three bedrooms, with a master bedroom that offers a feeling of privacy. Lots of storage space and closets, especially walk-in closets, will be a real selling point. Family rooms or “great rooms” also are desirable. On closer examination, a house that looks like a bargain may lack some of these key features.

Don’t forget the old adage: location, location, location. Unless you’re looking for a fixer-upper, the house should be in a condition that is comparable to other homes in the neighborhood. Avoid buying the biggest or fanciest home on the block. Consider the amount of traffic or noise. Homes located in a quiet area away from a busy street will command a higher price. Make sure the schools in your district have a reputation for quality education and safety. Nearby supermarkets, gas stations, restaurants and theaters also will make a location more desirable.

Good community facilities also add appeal; pools, athletic fields, community centers, libraries and hospitals all add to a neighborhood’s value and desirability. Transportation needs also should be considered. Is local public transit available How long are typical commutes to places of current and potential employment Are there several alternate route How close is a major airport All of these can affect a home’s pricing.

Consider the cost of living in a home. It’s important to consider not only purchase price but the monthly cost of living in a home. Estimate your utility and maintenance costs. For example, will the house need to be painted on a regular basis and will you need to spend money maintaining a swimming pool Ask your agent about the property tax rate and whether increases are anticipated. Will you have to pay special assessments for a homeowner’s association Consider the point in the life cycle of major household systems, such as the furnace, air conditioning, roof and kitchen appliances.

You can find a bargain! Your first step should be to seek out a knowledgeable real estate agent with experience in the market areas where you wish to purchase a home. Your agent can help you locate those properties that truly are “bargains” and help find the home that most closely matches your desires and needs.

About The Author

W. Troy Swezey is the author of “HOW TO SPOT A GOOD BUY." As a Realtor at Century 21 Paul & Associates, he has helped many individuals with their real estate needs. Visit his web site to download his free e-book, “Real Estate Secrets Exposed.” http://www.TroyIsMyRealtor.com or mail to: TroyC21@usa.net

NC—Buying your first home is an exciting new experience. Attending Open Houses, putting in an offer to buy and decorating your new home to suit your style is all part of the excitement. All the decisions that need to be made can also make you feel nervous. Here are a few tips that can help out the anxious first-time homebuyer.

How much can I afford

There are two things to consider when determining how much home you can afford. How much do you have for your downpayment What amount can you afford as a monthly payment while still enjoying life . To help you answer these questions, you can either call your financial institution, visit their website or go to your branch and talk to your personal banker.

To shop for a home with confidence, you can obtain a pre-approval certificate from your Financial Institution. This document will tell you how much of a mortgage you can afford.

How Much Do I Need for my Downpayment

You can buy a home for as little as 5% of the purchase price. However, any mortgage with a downpayment of less that 25% has to be insured by a third party such as the Canada Mortgage and Housing Corporation CMHC. The amount of your downpayment will determine whether you need to insure your mortgage or not. Conventional Mortgage – a mortgage where you have at least 25% of the purchase price High-Ratio Mortgage – a mortgage where you have less than 25% of the purchase price

Your insurance premium will depend on the amount you are borrowing and on the percentage of your downpayment amount. Premiums usually vary between 1.25% and 3.75%.

How Can I Save for a Downpayment

There are a few different methods that can be used when saving for your downpayment Setting money aside each month just as if you had to make a monthly payment Opening a RRSP investment account. If you are a first-time homebuyer you and your spouse can use up to $20,000 each towards your dowpayment without tax implications as long as you repay the amount within 15 years. A cash gift from a parent or relative. "gift" means its non-repayable

Should I Be Aware of Any Additional Costs

Your mortgage will cover off the purchase price of your home, however there are other costs associated with buying a home. These are called hidden or closing costs and can usually amount to 1.5% to 3.5% of the total cost of your home. Here are a few examples of the hidden costs of home ownership and the costs associated with each.

Appraisal fee $150 – $200

Home inspection fee $300

Property survey $750 – $1,000

Land transfer tax $2,000

Legal fees $1,300 – 2,500

Sales tax 7%

Title insurance $250

Home Insurance $450/year

Also, dont forget to consider general expenses such as moving and home decorating costs.

Do you dream about owning your own home CIBC has now made it easier for those entering the new world of home ownership. They have formed a partnership with Canadian Mortgage and Housing Corporation CMHC to provide valuable and informative services for the first-time homebuyer. For more information about finding out how much you can afford, setting up an RRSP, or simply reviewing your mortgage options, contact your CIBC personal banker or call 1 800 465-CIBC 2422.

- News Canada

About The Author

News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.

News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.